The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$48,671
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,184
−HK$1,539/mo
Today · 4.125%
HK$51,723
baseline
▲ 0.50% · 4.625%
HK$54,870
+HK$3,147/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$103,446/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,146
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,598
−HK$1,473/mo
Today · 4.125%
HK$57,071
baseline
▲ 0.50% · 4.625%
HK$60,079
+HK$3,008/mo
Deposit HK$10.67M · loan HK$10.67M · min. income ≈ HK$114,142/mo (50% DSR)
Upfront cash ≈ HK$11.56M (deposit + AVD stamp duty HK$884,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,405
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,221
−HK$1,846/mo
Today · 4.125%
HK$62,067
baseline
▲ 0.50% · 4.625%
HK$65,844
+HK$3,777/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$124,134/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,975
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,717
−HK$1,768/mo
Today · 4.125%
HK$68,485
baseline
▲ 0.50% · 4.625%
HK$72,095
+HK$3,610/mo
Deposit HK$8.54M · loan HK$12.81M · min. income ≈ HK$136,970/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$884,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,139
−HK$4,273/mo
▼ 0.25% · 3.875%
HK$70,258
−HK$2,154/mo
Today · 4.125%
HK$72,412
baseline
▲ 0.50% · 4.625%
HK$76,818
+HK$4,406/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$144,824/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,804
−HK$4,095/mo
▼ 0.25% · 3.875%
HK$77,837
−HK$2,062/mo
Today · 4.125%
HK$79,899
baseline
▲ 0.50% · 4.625%
HK$84,111
+HK$4,212/mo
Deposit HK$6.40M · loan HK$14.94M · min. income ≈ HK$159,798/mo (50% DSR)
Upfront cash ≈ HK$7.29M (deposit + AVD stamp duty HK$884,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,607
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,332
−HK$2,769/mo
Today · 4.125%
HK$93,101
baseline
▲ 0.50% · 4.625%
HK$98,766
+HK$5,665/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$186,202/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,462
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,076
−HK$2,651/mo
Today · 4.125%
HK$102,727
baseline
▲ 0.50% · 4.625%
HK$108,142
+HK$5,415/mo
Deposit HK$2.13M · loan HK$19.21M · min. income ≈ HK$205,454/mo (50% DSR)
Upfront cash ≈ HK$3.02M (deposit + AVD stamp duty HK$884,434 · Scale 2, in force from 26 Feb 2026)